The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$40,326
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,580
−HK$1,274/mo
Today · 4.125%
HK$42,854
baseline
▲ 0.50% · 4.625%
HK$45,462
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,708/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,862
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,065
−HK$1,221/mo
Today · 4.125%
HK$47,286
baseline
▲ 0.50% · 4.625%
HK$49,778
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,572/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,391
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,896
−HK$1,529/mo
Today · 4.125%
HK$51,425
baseline
▲ 0.50% · 4.625%
HK$54,554
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,850/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,834
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,278
−HK$1,465/mo
Today · 4.125%
HK$56,743
baseline
▲ 0.50% · 4.625%
HK$59,734
+HK$2,991/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,486/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,456
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,212
−HK$1,784/mo
Today · 4.125%
HK$59,996
baseline
▲ 0.50% · 4.625%
HK$63,647
+HK$3,651/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$119,992/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,806
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,491
−HK$1,709/mo
Today · 4.125%
HK$66,200
baseline
▲ 0.50% · 4.625%
HK$69,689
+HK$3,489/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,400/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,586
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,844
−HK$2,294/mo
Today · 4.125%
HK$77,138
baseline
▲ 0.50% · 4.625%
HK$81,831
+HK$4,693/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,276/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,751
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,917
−HK$2,197/mo
Today · 4.125%
HK$85,114
baseline
▲ 0.50% · 4.625%
HK$89,600
+HK$4,486/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,228/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,175 · Scale 2, in force from 26 Feb 2026)